Top 6 credit repair companies

 However, if you have inaccuracies in your credit report, which Consumer Reports says 34% of consumers have, you may need help getting it back on track.

While you can fix your credit reporting problems yourself and save money, there are specialized credit repair organizations that can help you.

While the success of credit repair companies is not guaranteed, they can make it much easier to dispute inaccuracies and contact any credit bureau.

A good credit score is important because lenders use it to assess whether you qualify for a loan , mortgages, and credit cards; landlords can also use it when evaluating a rental application.

The best credit repair agencies can help you remove inaccurate or wrong information from your credit report.

When evaluating credit repair companies, look for one that is reliable, efficient, cost-effective and provides excellent customer service.

Here are the top six credit repair companies.

1. Owacja credit services

Ovation Credit Services is one of the Credit repair companies with good reviews it has a 45-year history. It has a solid reputation for providing helpful customer support.

It offers two cost-effective programs to help consumers improve and repair their credit ratings.

Essentials ($79/month) and Essentials Plus ($109/month) plans are available to customers. There is a one-time setup cost of $89 for both plans.

The Essentials plan doesn't come with advanced features, but it might be a good choice if you're on a tight budget.

The Essentials Plus program also includes credit monitoring , unlimited challenge verification, and creditor goodwill letters for an additional $30 per month.

If you are unsure which plan is best for you, Ovation Credit Services will provide you with a free consultation to help you.

Whichever package you choose, you'll have access to its risk-free discounts and return policy. It has discounts for couples, seniors, military members and referrals, as well as a refund policy which states that if Ovation Credit Services doesn't "provide the agreed services for this month, we won't charge your monthly costs."

 2. Credit pluses

Credit Pros have been around for almost a decade. It is one of Credit repair companies with good reviews it provides a platform for personal credit management and repair, powered by artificial intelligence (AI), as well as free credit monitoring.

Credit monitoring is an optional service offered by some credit restoration companies.

They will charge customers who want to deal with The Credit Pros a one-time setup fee of $119.

Then, depending on which of the three packages customers choose, they will be charged a monthly fee starting at $69 per month.

Customers who choose one of the company's two best packages, the Prosperity Package or the Success Package, will receive a Slash Rx discount, thanks to which they can save up to 80% on medicines.

Potential clients can arrange a free consultation in English or Spanish before starting cooperation with The Credit Pros.

However, it is a useful technique to see if the company is a good fit for your needs and which package will best support you.

Credit Pros also offers a 90-day money-back guarantee : if there is no removal from Equifax, Experian or TransUnion after 90 days, they will refund you the amount you paid.

 3. Holy Credit

Credit Saint has a 17-year history of success and a solid reputation in the market and one of the best Credit repair companies with good reviews. 

It also provides new customers with a free consultation and handles all communications with the credit bureaus if they choose one of its packages.

Customers can choose from three different options, starting at $79.99 per month with a minimum setup fee of $99.99.

4. Lexington law

When we talk of the best Credit repair companies with good reviews, Lexington Law has been in business for over 15 years and is one of the most reputable credit repair companies out there.

They created it to "revolution of credit repair" the industry by offering ethical and effective credit restoration to those in need.

Lexington Law offers three different packages of services to help clients improve their credit score and meet their financial goals.

Lexington Law focuses on four areas to help consumers improve their credit score: credit report analysis , credit disputes, dispute escalation, and credit score analysis and monitoring.

Customers can avoid paying the setup fee and access packages starting at $89.95. Veterans and active military personnel are eligible for a 50% discount on their first job fee.

When a client and their spouse join the service, Lexington Law offers a family or family discount that gives the client's spouse a one-time 50% discount.

 5. CreditRepair.com

CreditRepair.com has been in existence for nine years and has enabled over 1.8 million relocations.

Discrepancies in customer credit reports will be challenged by each credit bureau, creditors will be asked to verify reported negative items, and customer credit will be monitored to help them meet their goals.

Customers can choose from three different packages and receive a free consultation to help them choose the right one for them.

The packages range in price from $69.95 to $119.95, including a one-time setup cost equal to the monthly rate for each service.

CreditRepair.com's packages have a huge advantage as they all include credit monitoring which is not offered by all credit repair companies. It is one of the Credit repair companies with good reviews.

6. Sky blue

Sky Blue Credit has been in business for over 30 years and provides a comprehensive credit repair solution.

Its service offers everything a customer needs to restore their credit score and discover and dispute inaccuracies in their credit reports. It is also part of the Credit repair companies with good reviews.

Unlike other credit repair organizations on this list, no upgrades to more expensive programs are required.

Customers can use Sky Blue Credit for $79 per month plus a one-time setup cost of $79.

Also, if two people connect as a couple, the second person gets a 50% discount on both the monthly fee and the setup fee.

Sky Blue Credit will refund the customer's money in full if someone was not satisfied for any reason within the first 90 days of subscription.

Sky Blue Credit advises customers that the credit reinstatement procedure can take up to six months, but can be canceled at any time during this time at no extra charge.

Purpose of credit repair companies

You may think negative credit prevents you from getting a credit card or loan, but it's more complicated than that. Bad credit can leave you without a home, car or job.

This is because more and more companies rely on your credit score to make decisions about you. Still not convinced it's time to get your credit in order? Check out the average reason why you need to fix your credit.

1. Save money on interest

Low credit scores are associated with higher interest rates, which translates into higher costs of financing credit card balances.

Fixing your credit will allow you to get more competitive interest rates and save money on interest payments.